Georgia's Own Waycross GA Credit Union | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Georgia's Own! Nestled in the heart of Waycross, GA, at 2098 Brunswick Hwy, our branch has been serving the community since 1934. With over 239,964 members, we pride ourselves on being more than just a credit union we're a trusted partner in your financial journey. At Georgia's Own, we understand that every member has unique needs. That's why we offer a comprehensive range of services, from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. With total assets exceeding $4.2 billion and total deposits reaching $301,106,489, you can trust that your finances are in safe hands. Led by our dedicated CEO, Dave Preter, and Board President Richard Burns, our team is committed to fostering a supportive environment where members can thrive. Our branch employs 704 staff members who are always ready to assist you with personalized service and expert advice. While members can visit us at our branch location, official correspondence should be sent to the same address: 2098 Brunswick Hwy, Waycross, GA 31503-8968. Whether you're looking for guidance on loans or seeking advice on saving for the future, we're here to help. With an impressive net worth of $463,803,561 and cash readily available at $47,807,390, we have the resources needed to support your financial goals. We also take pride in our strong lending capabilities with over 263,347 loans and leases issued to our valued members. We invite you to explore all that Georgia's Own has to offer. Visit us today or give us a call at 912-283-1450 for more information on how we can help you achieve your financial dreams. Experience the difference of being part of a community-focused credit union where your success is our priority!

Branch History & Mission

Join Us

We invite you to experience the benefits of being part of Georgia's Own. Whether you're looking for a checking account or need assistance with a loan, our dedicated team is here to help you every step of the way. Visit us during our operating hours Monday through Tuesday and Thursday through Friday from 9:00 AM to 5:00 PM; Wednesday from 9:00 AM to 1:00 PM or give us a call at 912-283-1450. Join Georgia's Own today and be part of a community-focused credit union where your financial well-being is our top priority!

Our Mission

Our mission at Georgia's Own is simple yet profound: to enhance the financial well-being of our members while actively supporting the communities we serve. We offer a range of services including personal banking, auto loans, mortgage solutions, and business banking options. But it's not just about transactions; it's about building relationships. We believe that when our members thrive, so does the entire community. Our commitment extends beyond just banking. We engage in various community outreach programs that uplift local organizations and initiatives. By partnering with schools and nonprofits, we aim to create opportunities for growth and support where it's needed most. While members can visit us at 2098 Brunswick Hwy for all their banking needs, official correspondence should be sent to our mailing address at 2098 Brunswick Hwy, Waycross, GA 31503-8968. In addition to traditional services, we embrace digital advancements to make banking easier for you. Our online banking platform allows you to manage your finances from anywhere while ensuring ADA compliance so that everyone can access our services comfortably.

Branch Location & Accessibility

Connect With Us

Have questions or need assistance? Don't hesitate to give us a call at 912-283-1450. Our friendly staff is ready to help you navigate your financial journey. Come visit us today at Georgia's Own in Waycross where community matters!

Nearby Landmarks and Features

Our branch sits near several local landmarks, making it easy to find us. As you approach from the bustling Brunswick Highway, you'll notice our welcoming entrance. We offer ample parking for both cars and accessible spots for those with mobility challenges. Our building features ADA-compliant facilities to ensure that everyone can enjoy our services comfortably.

Operating Hours and Services

We understand that your time is valuable. That's why we keep our doors open from Monday to Friday, with extended hours on Tuesday and Thursday until 5:00 PM, and a shorter day on Wednesday until 1:00 PM. You can also take advantage of our drive-thru banking service for quick deposits and withdrawals without leaving your vehicle. For those who prefer cash transactions, we have an ATM available on-site for your convenience. Beyond basic banking services, we offer personal accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions tailored to meet the diverse needs of our community members. While members can visit us at 2098 Brunswick Hwy, official correspondence should be sent to the same address for consistency.

Member Eligibility

Joining Georgia's Own is like stepping into a community that truly cares about you and your financial well-being. To become a member at our Waycross branch, located at 2098 Brunswick Hwy, you'll find that the process is welcoming and straightforward. If you're a resident of Georgia or work in one of the eligible fields we support, you're likely already qualified! Our membership criteria are designed to be inclusive, ensuring that more people can benefit from our personalized banking services. For detailed eligibility requirements, feel free to visit this page where you can explore what it takes to join our family. Once you're ready to open an account, the process is just as easy! You can start your application online by visiting this link, or if you prefer a personal touch, don't hesitate to give us a call at 912-283-1450. We're here to help guide you through every step so you can enjoy the many advantages that come with being part of Georgia's Own!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,126 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $503,329,542, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

Imagine running your business without worrying about payment processing. Our merchant services allow you to accept payments easily, enabling smoother transactions and happier customers. Picture this: a local café using our services to accept credit cards, which increases foot traffic and boosts sales. Our tools are designed to simplify operations, so you can focus on what matters most growing your business. Visit us at 2098 Brunswick Hwy Waycross Ga 31503, Waycross, GA, or call us at (912) 283-1450 to learn more about how we can support your business endeavors!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our branch features an ATM for hassle-free withdrawals and balance checks whenever you need it. Plus, our basic drive-thru banking makes deposits and simple transactions quick and convenient. At Georgia's Own in Waycross, we pride ourselves on offering comprehensive services that meet the diverse needs of our members. Come visit us today or explore our offerings online at Georgia's Own. We look forward to helping you achieve your financial goals!

Auto Loans & Vehicle Financing

If you're in the market for a new car, our auto loans and vehicle financing options can help make that dream a reality. With flexible terms and competitive rates, buying a vehicle becomes less stressful. Picture yourself driving off in your new car, knowing you got the best deal through Georgia's Own.

Business Banking Services

For entrepreneurs and business owners, we offer comprehensive business banking services, including merchant services and business loans. This support allows local businesses to thrive while receiving personalized attention tailored to their unique challenges.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Georgia's Own provides robust online and mobile banking services that allow you to manage your accounts from anywhere at any time. From paying bills to transferring money with just a few taps on your phone, we make banking easy.

Credit Cards with Rewards

Who doesn't love earning rewards? With our credit cards featuring rewards programs, every purchase helps you earn points that can be redeemed for travel, merchandise, or cash back. It's like getting paid just for using your card!

Mortgage Loans & Refinancing

Homeownership is an important goal for many. That's why we provide tailored mortgage loans and refinancing solutions to fit your specific needs. Whether you're a first-time homebuyer or looking to lower your monthly payments through refinancing, our experts will guide you every step of the way.

Personal Banking Solutions

Whether you're opening your first checking account or planning for retirement, our personal banking services cater to all stages of life. We offer checking and savings accounts that are straightforward and easy to manage. Imagine having the peace of mind knowing your money is safe and growing with competitive interest rates.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans and debt consolidation options are designed to give you the financial breathing room you need. By combining multiple debts into one manageable payment, you can focus on what truly matters without the burden of high-interest rates.

Digital & Online Banking

At Georgia's Own, we understand that convenience and security are top priorities for our members. That's why we offer a suite of digital and online banking services designed to make managing your finances easier than ever. Whether you're at home or on the go, our platform is accessible anytime you need it. With our online banking, you can take control of your accounts with just a few clicks. Check your balance, pay bills, and transfer money seamlessly all from the comfort of your device. Plus, you can enroll in e-statements to receive your account statements electronically, which not only saves paper but also allows for quick access whenever you need them. For those who prefer to handle transactions through their mobile devices, our mobile application is here to help. It supports mobile payments, making it easy to pay at stores or send money directly to friends and family through person-to-person transfers. Just think about how simple it will be to settle up with a friend after dinner! While enjoying these features, rest assured that your information is protected. We prioritize security so you can bank confidently without worry. Although we do not currently support electronic signature authorization, our other services are designed to be user-friendly and straightforward. With 24/7 access to Georgia's Own online banking, you're never out of touch with your finances. Join us today and experience how digital banking can enhance your financial journey!

Financial Strength

Dedicated Team

We also take pride in having 685 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. With 467,060 total share accounts, we showcase a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Georgia's Own is your trusted partner. Visit us at 2098 Brunswick Hwy Waycross Ga 31503 or call 912-283-1450 to learn more about how we can help you achieve your financial goals.

Efficient Operations

Our impressive net income of $9,311,740 reflects our operational efficiency. This success enables us to continue offering competitive loan rates and solid financial products for our members.

Lending Capacity to Meet Your Needs

Our lending capacity is robust with $108,877 in used auto loans and a total of $3,109,102,769 in loans and leases available. This ensures that we can help you achieve your financial goals effectively.

Member Savings Secured

Members' savings are secured through $923,310,057 in share certificates and $488,871,825 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Better Services

With $345,434,390 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to support various financial goals across sectors.

Strong Financial Health

With a net worth of $463,803,561, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1111 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Financing Options

In addition to auto and mortgage loans, we also provide substantial support for business owners through our outstanding commercial loans totaling $503,329,542. This financing option offers the capital needed to grow and expand your business. If you're considering refinancing any existing loans or exploring eligibility options for our various products, please don't hesitate to reach out. We're here to help you find the best solutions tailored to your unique circumstances. For more information or personalized assistance regarding our loan offerings at Georgia's Own located at 2098 Brunswick Hwy Waycross Ga 31503, give us a call at 912-283-1450. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Georgia's Own, we're dedicated to providing valuable resources and support as you navigate your financial journey.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $562,652,914 in used vehicle loans and $237,514,201 in new vehicle loans already helping members get on the road. We provide flexible terms that fit your budget and lifestyle. Whether you want a brand-new model or a reliable used vehicle, our competitive rates make it easier than ever.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $446,071,867, make buying or refinancing simple. We aim to support you through every step of the process, ensuring you feel confident and informed about your choices.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $96,497,100 in loans helping members manage their finances effectively. With no collateral required and straightforward repayment plans, our credit cards can help you navigate financial needs as they arise.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that all loan offers presented are fair and transparent. By partnering exclusively with legitimate financial institutions, LendMesh guarantees that users receive verified data for their loan comparisons.

GEORGIA'S OWN CREDIT UNION - Waycross, GA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

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Loan rates in Waycross, GA (31503)